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Complaints
If you have a complaint about our services, please contact Finset Limited using the details below. Their complaints policy can be found here:
Joanne Mowatt-Morris
Compliance Manager
Finset Limited, Burgundy Court, 64-66 Springfield Road, Chelmsford, Essex CM2 6JY
Email: resolutions@finset.co.uk
01245 967999
If they cannot resolve your complaint, you may be entitled to refer it to the Financial
Ombudsman Service:
 Website: www.financial-ombudsman.org.uk
 Phone: 0800 023 4567
Confidentiality and Data Protection
We take your privacy seriously. All data is handled in accordance with current data
protection laws. Please refer to our Privacy Policy for more information. Finset Limited’s
Privacy Policy can be found here which will fully detail how they use your data, the parties
they share your data with, your rights and more. We are registered with the Information
Commissioners Office (‘ICO’), our number is ZA865389.
Date of Issue: 11/05/2026

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Oyster Cars (UK) Ltd. Company Number 11427191 registered address: Riverside Works,
Thanet Way, Chestfield, Whitstable, Kent, CT5 3JQ. Oyster Cars (UK) Ltd is an Introducer
Appointed Representative of Finset Limited. Finset Limited is authorised and regulated by
the Financial Conduct Authority, under reference No. 987805. They act as a credit broker not
a lender. Our FCA Reference Number is 1054853.
For details on the services they provide, please see their Initial Disclosure Document. Please
note as an Introducer Appointed Representative we act as a broker, not a lender, we are
only able to introduce you to Finset Limited, we are not able to discuss any finance
application or acceptance in detail. For any questions, we recommend you contacting them
directly, their details can be found here.
Our ICO Number ZA865389.
All finance is subject to status, terms and conditions apply. Please note Oyster Cars (UK) Ltd
or Finset Limited are not financial advisors, we will not provide you with advice or a
recommendation on finance products.
Finset work with a specific panel of lenders to try to obtain you an approval. Please note they
are only able to offer you finance products from the lenders on their panel. We receive a
commission for introducing you to Finset if you proceed with a finance acceptance. This
commission is a fixed payment or fixed percentage of the amount you finance but can vary
by partner. This does not impact the rate you are provided. You will be provided full
information before completing your finance agreement and you can request further
information at anytime. Oyster Cars (UK) Ltd or Finset Limited do not charge a fee for the
services provided.

REP APR as it currently stands to be used on the website:
We act as a Broker, not a Lender. A Representative HP Example: borrowing £10,000 over
60 Months with a representative of 15.40% APR, an annual interest rate of 15.40% (fixed)
and a deposit of £0.00, the amount payable would be 59 repayments of £234.81 per month,
with one final repayment of £244.81 (which includes the option to purchase fee of £10.00),
with a total cost of credit of £4,088.60 and a total amount payable of £14,098.60.Finset
Finance is a broker, not a lender. This means that we may offer different rates and the above
is for illustrative purposes only and is not a quote or an offer of finance.

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